AdvanceLoan was founded and launched in 2008. The website was originally developed as we saw a need for people looking for payday loans and cash advances to receive a better level of service. The idea was to leverage the speed of the internet to achieve this. The concept began with the desire to make the whole process of applying for a cash advance loan completely online, without the need for filling out separate paperwork or faxing any documents. With the help of our technology partners, AdvanceLoan has been able to achieve this goal. AdvanceLoan works independently of payday lenders to ensure that we have the widest possible coverage of lending opportunities for consumers.

Going forward it is our intention to continue using the latest technology to help our clients access payday lending products. We intend to offer specific areas of the site for cellular mobile phone applications. It should also be noted that clients can apply directly via a toll free telephone number already.

Loan Features offers a payday cash advance loans service that quickly allows you to borrow $100-$1000. Then have the money credited directly into your bank account via a secure bank transfer. If you need money to sort out your personal finances before you you get paid, approved payday loans can be a viable short-term credit option. These cash advance loans work because they are meant for you to meet needs like hospitalization, car repairs, medical bills or any other urgent bill. They are secured against your next paycheck which is one of the benefits of this type of loan funding. That’s why you do not need to worry about having a deposit to get a loan.

Our trusted service works nationwide across the USA (except for states in which payday lending is not allowed by law). Services are open 24/7, 365 days per year, providing cash advance loans for all credit types. You do not have to search for locations locally as your application is completed quickly online.

Consumers who get a shorter term loan are often young, such as parents who need money to pay bills that have mounted up. One of the advantages of this type of loan is once approved, the funds can be deposited directly into your bank account the next working day. Sometimes, depending on the lender that you are matched with, money could be transferred as soon as that same day.

Application Process

1. Fill out our loan application
2. Click Submit
3. Receive your cash advance

The minimum requirements for a payday loan are:
1. You must be at least 18 years of age or older
2. Have a job (or another regular source of income)
3. You must have an active open bank account

To be approved for a loan, you need to meet all the requirements of the specific lender with whom you are connected. The lender will evaluate your application and determine whether you are eligible for a loan based on its own set of approval criteria. Factors such as your income, the direct deposit of your salary into your bank account, past payday loan history and your state of residence, may affect the approval of your loan.

If your application is accepted by a payday lender, your assigned lender may contact you directly to ask for additional information in order to fully approve the application. Payday lenders utilize proprietary criteria to evaluate applicants and will approve your loan when your application matches their individual set of criteria.

In order to increase your chances of getting correctly matched with a lender and ultimately approved for a loan, please be sure to fill out our application with honest, verifiable information. For example, entering your cell phone number instead of your home phone makes it more difficult to verify your information. In fact many lenders will not accept applications that cannot be completely verified. We do our best to find a suitable lender for you, but unfortunately there’s no cast iron guarantee that your loan application will be accepted.

Payday lenders typically process the loan immediately so that it will be available in your bank account the next business day after the loan is approved. Some lenders have the ability to wire the money to your bank account immediately. If you apply on a weekend or holiday, the money will be sent to you the next business day.

Repayment Terms

Once you have completed and submitted the no-obligation online application form you will see the exact APR rate and terms for your loan. If the APR rate and terms are acceptable then you can go ahead and apply for the loan. If they are not acceptable or you change your mind and want to cancel, you can do so without any obligation to continue.

APR example
APR rates range from from 260% to 1042% depending on your location and personal circumstances. Please see the table below for the minimum and maximum borrowing costs for a loan over 14 days.

Loan Amount:
$100 (Lowest Rate $10, Repayment $110, Highest Rate $35, Repayment $135)
$200 (Lowest Rate $20, Repayment $220, Highest Rate $70, Repayment $270)
$300 (Lowest Rate $30, Repayment $330, Highest Rate $105, Repayment $405)
$400 (Lowest Rate $40, Repayment $440, Highest Rate $140, Repayment $540)
$500 (Lowest Rate $50, Repayment $550, Highest Rate $175, Repayment $675)
$600 (Lowest Rate $60, Repayment $660, Highest Rate $210, Repayment $810)
$700 (Lowest Rate $70, Repayment $770, Highest Rate $245, Repayment $945)
$800 (Lowest Rate $80, Repayment $880, Highest Rate $280, Repayment $1080)
$900 (Lowest Rate $90, Repayment $990, Highest Rate $315, Repayment $1215)
$1000 (Lowest Rate $100, Repayment $1100, Highest Rate $350, Repayment $1350).

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